How to Stop XtraTime Loan on MTN and Stay in Control

ByLight Chinedu Chidi Hours

Learn How to Stop XtraTime Loan on MTN today.

MTN’s XtraTime service is useful when you’re out of airtime. But, it can also become annoying. You might want to stop it for many reasons. Maybe the deductions are too much. Or you no longer need the service. Whatever the reason, stopping XtraTime is easy if you know the right steps.

How to Stop XtraTime Loan on MTN

You can stop MTN XtraTime loans. It’s simple. Follow the steps below to cancel or block the service.

1. Use the USSD Code

MTN allows you to manage services using USSD codes. This method is fast.

Here’s how to stop XtraTime loans using the USSD code:

  • Dial *321# on your MTN line.
  • Select “XtraTime” from the menu.
  • Choose “Opt-out” or “Cancel” to stop the service.
  • Follow the prompts to confirm.

After that, you will stop receiving XtraTime loans. MTN will no longer deduct from your next recharge.

2. Send an SMS to MTN

You can also opt-out via SMS. This method works if the USSD code is not responding.

Follow these steps:

  • Open your SMS app.
  • Type STOP and send it to 321.
  • Wait for a confirmation message.

Once you receive the message, your XtraTime service will be deactivated. No more auto-deductions.

3. Contact MTN Customer Care

If the above methods fail, contact MTN support directly.

Here’s how:

  • Dial 300 on your MTN line.
  • Follow the voice prompt. Choose “speak to an agent.”
  • Tell the agent you want to stop XtraTime.

They will assist you. Make sure to ask for a confirmation message when done.

4. Use the MyMTN App

The MyMTN app is another option. If you prefer a digital method, use the app.

Steps:

  • Download and install the MyMTN App from Google Play Store or Apple App Store.
  • Log in using your MTN number.
  • Navigate to “Services” or “Borrowing Services.”
  • Select “XtraTime.”
  • Tap on “Deactivate” or “Opt-out.”

This stops the XtraTime loan service immediately.

Why You Should Stop XtraTime on MTN

XtraTime loans are convenient. But, they come with hidden issues.

High Charges

MTN charges 15% as a service fee. If you borrow N1000, you will receive N850. This adds up over time.

Automatic Deductions

Your next recharge will pay off the loan automatically. If you forget, your balance will reduce unexpectedly.

Unwanted Activations

Sometimes, XtraTime activates without your knowledge. This can cause unexpected charges.

Stopping the service prevents these problems. It gives you full control over your airtime.

What Happens After You Stop XtraTime?

Once you stop XtraTime:

  • You cannot borrow airtime again.
  • No more auto-deductions from your recharges.
  • You will need to recharge normally.

If you ever need the service again, you can reactivate it by dialing *321#.

FAQs About Stopping XtraTime on MTN

Can I stop XtraTime if I have an unpaid loan?

No. You must pay off any outstanding loan first. Dial *321# to check your balance and repay it.

How do I know XtraTime is deactivated?

You will get a confirmation message. If unsure, dial *321# to check your status.

Is there a penalty for stopping XtraTime?

No. MTN does not charge for opting out. But you must settle any pending loan.

Can I reactivate XtraTime later?

Yes. Dial *321# and follow the prompts to activate it again.

What if I can’t stop XtraTime using USSD or SMS?

Contact MTN customer care at 300. An agent will assist you.

Why am I still being charged after stopping XtraTime?

Check for pending loans. If you have unpaid debt, MTN will deduct from your recharge until it is cleared.

Can I stop XtraTime for another MTN number?

No. You can only stop the service on your registered MTN line.

Does stopping XtraTime affect my bonus?

No. Your bonus airtime or data remains intact. Only the loan service stops.

Can I block future XtraTime offers?

Yes. Opting out stops all future loan offers. Reactivation is possible if needed.

Is there a deadline to stop XtraTime?

No. You can stop it anytime using USSD, SMS, or customer care.